Xiaocan said traffic | Did the insurance company compensate?

Sanxiang Metropolis Daily · New Hunan client all -media reporter 虢 Chancan

Two cars in the same person collided, insurance company compensated? Recently, the Hunan Huarong County Court concluded such a case.

There are two cars under Lao Li, both of which have bought strong insurance and commercial insurance.

One day, Lao Li and his son Xiao Li drove a car to go out. Xiao Li drove the car to the end of Lao Li's car and two other cars, causing the four cars to be damaged. The traffic police determined that Xiao Li was responsible for the accident. After compensating the other two cars, the insurance company believed that Lao Li's driving car losses did not belong to the scope of insurance liability compensation and refused to claim claims. Lao Li sued Xiao Li and the insurance company to the court.

The insurance company said that because the two were father and son, the insurance contract stipulated that the insured and their family members owned and managed the property loss, and they lived up to the liability for compensation.

The court trial believes that the situation of multiple cars in one person is now common, and the situation of the owner and the driver is not the same person in the same person. The three -commercial liability insurance contract is "one vehicle, one insurance", and a motor vehicle corresponds to an insurance contract. The damaged party should be processed in accordance with their respective insurance contract relationships. Therefore, the court judged that insurance companies compensated the old Li more than 150,000 yuan.

Although the terms of the insurance contract, although the insured, the family members, the driver and family member of the insured, the owner of the insured owner and the family members shall be liable for compensation, and the insurance company has performed the prompt on the exemption clauses to perform the exemption clauses. And clearly explain the obligation, but the purpose of the establishment of this clause is to prevent the insurer from scamming the moral risk of making insurance accidents.

In real life, the two cars under one person have the possibility of driving by different drivers and traffic accidents. The insurance company should be clear about this situation. In the case of eliminating an artificial manufacturing accident, if the insurance company does not pay the compensation, it will not meet the insurance purpose of the insured, nor does it meet the concept of the decentralized social risks of insurance contracts and fill in losses in a timely manner. Therefore, in this case, please pick up legal weapons in time to defend your rights for yourself.

[Edit: Liu Ye]

[Source: Sanxiang Metropolis Daily]

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